Pay based on work credit does not make sense when illness impacts ability to work at all, work for short period of time or working at higher wages.
How is this fair. I swear the US system needs reform.
If SZ onset during teen years, you might qualify for SSI average monthly base amount of $7-800 because they never work and pay FICA taxes.
If you were lucky to work a few years you then might get SSDI but at lower benefit Pay because of short work history or entry level jobs. $1000+
That doesn’t even pay rent.
I got SSDI this year and learned how it works.
I’m not complaining for myself., but for my cousins who also have SZ and all those who have never worked and can’t get support.
Generally, SSDI recipients can’t do what’s considered “substantial gainful activity” (SGA) and continue to receive disability benefits. SGA means you’re working and making more than $1,310 per month.
But SSA set up a program to encourages you to go back to work through a “back to work program”.
SSA considers any month where a person has a monthly income of more than $940 to be a trial work month. Once you have completed the nine-month trial work period (the months do not need to be consecutive), you can still receive SSDI for any month where your earnings fall below the SGA level, for a period of 36 months.
This three-year period is called the “extended period of eligibility.” In other words, if you earn less than $1,310 in any month during this period, you will get benefits, but if you earn more than $1,310 in any month, you won’t get disability benefits for that month (after a three-month grace period).
Democrats are proposing the Social Security Act 2100: Among a few things,
it would boost social security benefits,
update the cost-of-living adjustment that has failed to keep pace with living expenses,
cut the 5 month disability waiting period
and ensure benefits can be paid for years to come.
This affects all of us and we need to demand it. If this doesn’t get passed before 2022, we’ll be stuck with what we got and possibly lose our benefits in the future.
You must be disabled for five months after your disability onset date before you can start receiving SSD cash payments. Since Social Security doesn’t pay disability benefits during the waiting period, you won’t get paid back payments for the five months of the waiting period).
I’ve been paying in my whole adult life. Now I’m applying for SSDI benefits, and if I’m understanding correctly, I can get back pay as far back as my onset of diagnosis, which has basically been my whole life. Or am I wrong?
Oh. Well, I’m going to have a lawyer handle it for me. They only get a fee out of how much back pay they get you, so they are VERY motivated to get as much back pay as possible.
Oh you can pay rent on the side of town no one wants to live in. That’s why I quit working because i was damned if i did damned if i didn’t. Believe it or not it’s actually better than it used to be with additions like being able to keep your old car and the ABLE account. And there’s always room for improvement.